zulu.2237.metropolitan
BONA – August 2005
UNGAKHATHAZEKI, thokoza - ngoba uma wazi ukuthi kanjani, ungenza umshwalensi wakho ukusebenzele. Ukukhokhela umshwalensi wemoto noma wobunini muzi, ukwenza isibonelo, kuyingxenye nje encane yokungakubiza ukuvusa imoto yakho uma ife yaphela engozini noma ekuvuseleleni umuzi wakho lapho ucekelwe phansi wumlilo. Nasempilweni yakho ungenza okufanayo ekuvikeleni impilo yomndeni wakho esikhathini esizayo.
Lokhu kungenxa yokuthi umshwalensi yindlela yokuthatha isikhundla sezikweleti sonke okungenzeka ukuthi zisibambile kodwa sikwazi ukuba sizimele ngokosizo lwezinkampani zomshwalensi. Ama-premium amancane wonke umuntu awakhokhayo ayakwazi ukukhava izindleko zokulahlekelwa.
n Ama-premium aqalwe ngendlela eyiyo, futhi aqoqwe njalo.
n Bonke abangama-policy holders akwenzeki balahlekelwe ngesikhathi esisodwa.
Ungathatha i-life insurance policy ezokwenza umndeni wakho uthole isizumbulu semali lapho usufile wena. Kodwake kungakuhle ukuba abomndeni wakho baxhumane nomeluleki wezezimali ukuqiniseka ukuthi bathenga into ehambisana nezidingo.
Uma ukhetha uhlelo lwe-investment ye-life insurance policy uzothola ukuthi kuvame ukuba khona isikhathi esincane esingaba yiminyaka emihlanu. Lokhu kwenzelwa ukuqiniseka ukuthi i-investment yakho ikhula ngokwanele ukukhava amabhonasi e-policy, kanjalo nosuke ukuhlelele ekugcineni lapho isivuthwa (maturity value) kanye nezindleko zenkampani ekusingatheni wonke umsebenzi wokuphathwa.
Ngokuvamile, uma utshala izimali ngohlelo lwesikhathi eside, ungalindela nokuba inani le-insurance likhule. Lokhu kungenxa yokuthi imali inesikhathi eside sokuba ikhule - nokuba uzinike isikhathi esanele sokumelana nokwehla kwamanani kuma-stock nakumasheya.
Imali eyenziwa yi-policy yakho ibizwa ngokuthi yi-investment. Lokhu kuthathwa njenge-percentage okungaba ibe positive noma negative.
Kubalulekile ukukhumbula ukuthi lezi zibalo ngokuvamile zingama-return wonke kwi-investment kanti futhi nawo asabandakanya izimali zezindleko zokusingathwa kwayo. Ngakhoke uzothola okubizwa ngokuthi yi-rate of return emva kokuba kwenziwe lokhu.
Uma unemibuzo ngalokhu, buza umeluleki wakho wezezimali noma uxhumane nabeMetropolitan Life Contact Centre kule nombolo-0860-724-724. [z]
Isikhangiso esikhokhelwe
Usezandleni eziphephile
Umshwalensi ungakukhulula ekukhatha-zekeni ukuze uthokozele impilo
BONA ZULU – May 2007
Thola i-investment ekufanele
Endowment: Lapha uzinikele ukongela phakathi kwesikhathi seminyaka emihlanu nengu-30. Njalo ngenyanga kubanjwa ama-premium kwi-akhawunti yakho yasebhange. Njengama-unit trusts, ungakusebenzisa lokhu ukongela inhloso ethile - ukwenza isibonelo, imfundo yengane yakho esikhundleni sokongela umhlalaphansi.
Unit trust: Uthenga ama-unit esikhwameni esithile sokonga kwezikhona ezimakethe. Kunochunge olubanzi, kanti nokusebenza kwazo kwehlukile, ngakhoke thola iseluleko.
Retirement annuity: Lolu hlobo lukusiza ekongeleni iminyaka yomhlalaphansi ngesikhathi usasebenza. Le policy ikukhokhela lapho usuthatha umhlalaphansi, ingxenye yesamba esikhulu (ingenye enkulu engaba ngu-one third noma engaphansi uma uthanda) kuthi enye esele (engu-two thirds) ikhokhe kube yimpesheni.
Annuity: Esikhundleni sokonga ngokwe-annuity uzothola isamba esikhulu - ukwenza isibonelo empeshenini yakho, noma yokukhokhelwa ukukhubazeka - okudingeka ukuba ukuvikele. Ukwenza lokhu ungakhipha i-annuity bese ukhokhe isamba sakho esikhulu kubasingathi bomshwalensi (insurer) abanjengeMetropolitan Life, kuthi emva kwalokho, oyi-insurer uzokunika imali engenayo ngenyanga isikhathi esithile, noma impilo yakho yonke, nokuyinto encika ekutheni wena ukhetheni.
Ekuqhathaniseni, ama-retirement annuities ayindlela yokonga nokuyilapho oyilungu kukhona imali ayifakayo ngenhloso yokonga imali ongela isikhathi somhlalaphansi. I-annuity ngakolunye uhlangothi, idinga ukuba isamba esikhulu semali sitshalwe noyi-insurer okuzothi yona ikhokhele lelo khasimende inzuzo zinyanga zonke.
